West Liberty, IA
How exposed is West Liberty to wildfire?
West Liberty's 1,425 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts West Liberty at the 38th percentile, close to its 36th-percentile risk score.
Where West Liberty's buildings actually sit
West Liberty rates 90.7% Minimal exposure against just 9.3% Direct and 0% Indirect — of 1,425 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How West Liberty compares
West Liberty's 52nd-percentile standing inside Iowa outpaces its 36th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, West Liberty ranks 20,134 for wildfire risk (1 is highest) and 9,502 by building count (1 is largest). Within Iowa alone, it ranks 496 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
What this risk score means for insurance
West Liberty's moderate wildfire rating (36th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in West Liberty
Even with 90.7% of West Liberty outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where West Liberty's figures come from
Every one of the two percentiles behind West Liberty's 20,134-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what West Liberty's dominant minimal exposure actually means, with real examples from across the dataset.